The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$11,201
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,549
−HK$354/mo
Today · 4.125%
HK$11,903
baseline
▲ 0.50% · 4.625%
HK$12,628
+HK$725/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,806/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$108,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,461
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,795
−HK$339/mo
Today · 4.125%
HK$13,134
baseline
▲ 0.50% · 4.625%
HK$13,826
+HK$692/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,268/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$108,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,441
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,859
−HK$425/mo
Today · 4.125%
HK$14,284
baseline
▲ 0.50% · 4.625%
HK$15,153
+HK$869/mo
Deposit HK$1.96M · loan HK$2.95M · min. income ≈ HK$28,568/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,953
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,354
−HK$407/mo
Today · 4.125%
HK$15,761
baseline
▲ 0.50% · 4.625%
HK$16,592
+HK$831/mo
Deposit HK$1.96M · loan HK$2.95M · min. income ≈ HK$31,522/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,681
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,169
−HK$496/mo
Today · 4.125%
HK$16,665
baseline
▲ 0.50% · 4.625%
HK$17,679
+HK$1,014/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$33,330/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,445
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,913
−HK$475/mo
Today · 4.125%
HK$18,388
baseline
▲ 0.50% · 4.625%
HK$19,357
+HK$969/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$36,776/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,162
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,789
−HK$637/mo
Today · 4.125%
HK$21,426
baseline
▲ 0.50% · 4.625%
HK$22,730
+HK$1,304/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$42,852/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$108,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,430
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,031
−HK$610/mo
Today · 4.125%
HK$23,641
baseline
▲ 0.50% · 4.625%
HK$24,888
+HK$1,247/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$47,282/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$108,714 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).